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Life insurance is extremely important for any family to safe guard their future in case the bread winner is no longer there to support the family. Simply put, based on the life insurance policy you have, life insurance provides cash to your family after your death to cover various needs including but not limited to funeral costs, daily living expenses, healthcare, college tution and other expenses.

Now a days, life insurance is very affordable also. There are different types of life insurance available in the market through different companies. Term life insurance provides just cash after your death. Whole life, Universal life or variable life insurance have guaranteed cash value which provides cash during your retirement with tax advantages.